FDIC Certificate #: 24455 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:UMB Bank, National Association (#8273) Federal Reserve ID: 314051 Date Established: April 25, 1983 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 9742 FDIC's unique #: 16998 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: April 25, 1983 Last Structure Change Effective Date: March 04, 2000 Last Structure Change Process Date: March 22, 2000 Last Data Update: March 22, 2000 Data Source Date: April 05, 2012
Location
Address: 2079 Penn Square, Oklahoma City, OK 73154 County: Oklahoma Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Oklahoma City Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880) Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416) Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420) CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
Financial Summary
Total assets: $59.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
19Total employees (full-time equivalent)
$59,930Total assets
$4,908Cash and due from depository institutions
$45Interest-bearing balances
$8,291Securities
$5,000Federal funds sold & reverse repurchase agreements
$33,939Net loans & leases
$711Loan loss allowance
$0Trading account assets
$3,039Bank premises and fixed assets
$0Other real estate owned
$4,413Goodwill and other intangibles
$0Life insurance assets
$340All other assets
$59,930Total liabilities and capital
$49,945Total liabilities
$48,016Total deposits
$37,159Interest-bearing deposits
$48,016Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$500Other borrowed funds
$0Subordinated debt
$1,429All other liabilities
$9,985Total equity capital
$9,985Total bank equity capital
$9,985Perpetual preferred stock
$0Common stock
$1,250Surplus
$8,749Undivided profits
Memoranda
$-14Noncurrent loans and leases
$3,913Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$183Earning assets
$0Long-term assets (5+ years)
$198Average Assets, year-to-date
$47,275Average Assets, quarterly
$2,118Volatile liabilities
$52,885Insider loans
$54,694FHLB advances
$13,672Loans and leases held for sale
$2,893Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,913Total unused commitments
$0Restructured Loans and leases
$460Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$400Total interest income
$185Total interest expense
$215Net interest income
$0Provision for loan and lease losses
$45Total noninterest income
$0Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$168Total noninterest expense
$84Salaries and employee benefits
$19Premises and equipment expense
$65Additional noninterest expense
$92Pre-tax net operating income
$0Securities gains (losses)
$25Applicable income taxes
$67Income before extraordinary items
$0Extraordinary gains - net
$67Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$965Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.85%Yield on earning assets
0.39%Cost of funding earning assets
0.46%Net interest margin
0.10%Noninterest income to earning assets
0.36%Noninterest expense to earning assets
0.13%Net operating income to assets
0.13%Return on assets (ROA)
0.17%Pretax return on assets
1.19%Return on equity (ROE)
-15.92%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,615Assets per employee
3.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
1440.30%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
388.52%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.53%Net loans and leases to deposits
70.68%Net loans and leases to core deposits
98.82%Equity capital to assets
16.66%Core capital (leverage) ratio
10.21%Tier 1 risk-based capital ratio
15.31%Total risk-based capital ratio
Memoranda
$17Average assets
$52,885Average earning assets
$5,640Average equity
$46,955Average loans
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